MCLR (Marginal Cost of Funds Based Lending Rate) - Explained in Hindi

Тәжірибелік нұсқаулар және стиль

MCLR or Marginal Cost of Funds based Lending Rate is explained in hindi. MCLR policy, Base Rate policy, BPLR policy are discussed and compared. We will understand the historical evolution of interest rates in India and see the comparison of mclr rate vs base rate.
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All banks have to update MCLR on monthly basis. I have shown the example of MCLR of SBI in this video.
Related Videos:
CRR & SLR (Cash Reserve Ratio & Statutory Liquidity ratio) - • CRR & SLR - Cash Reser...
Repo Rate & Reverse Repo Rate (Liquidity Adjustment Facility) - • Repo Rate & Reverse Re...
MCLR or Marginal Cost of Funds based Lending Rate को हिंदी में समझाया गया है । MCLR policy, Base Rate policy और BPLR policy को discuss और compare किया गया है ।हम India में Indian rates के historical evolution को समझेंगे और MCLR rate व Base rate के comparison को देखेंगे ।
सभी banks को monthly basis पर MCLR अपडेट करना होगा । मैंने इस Video में SBI के MCLR का Example दिखाया है।
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• MCLR (Marginal Cost of...
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In this video, we have explained:
What is the concept of MCLR?
How did the historical evolution of MCLR happen?
What are the benefits of Marginal Cost of Funds based Lending Rate?
What is BPLR?
Difference between base rate and MCLR?
What is the base rate policy?
When did the base rate policy evolve in India?
How to calculate base rate?
What are the issues with base rate policy?
When did MCLR policy evolve in India?
What are the components of base rate?
What are the components of MCLR?
What is negative carry on CRR and SLR?
What are marginal rates?
What do you mean by tenor premium?
Where is MCLR applicable?
How many tenors of MCLR to be published every month ?
Make sure to like and share this video.
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Hope you liked this video in Hindi on “MCLR (Marginal Cost of Funds based Lending Rate)”.

Пікірлер: 365

  • @AssetYogi
    @AssetYogi9 ай бұрын

    Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/

  • @rahulgiri1911
    @rahulgiri19115 жыл бұрын

    I m a UPSC aspirant. Really you explained it in a better way. THANKS

  • @AssetYogi

    @AssetYogi

    5 жыл бұрын

    Good to know that my videos are helping you. 😊

  • @cricosta4754

    @cricosta4754

    3 жыл бұрын

    yes sir your videos are helping to UPSC aspirants.

  • @tanishabhatt3811

    @tanishabhatt3811

    2 жыл бұрын

    Likewise

  • @AkashSharma__

    @AkashSharma__

    Жыл бұрын

    @@AssetYogi bhut helpful hai sir.. ab please EBLR ki bhi ek video lekar aao.

  • @zeeshanhaider8753
    @zeeshanhaider87535 жыл бұрын

    I am civil services aspirant. You hv explained this topic way better than any other channel. Fantastic

  • @surbhihandajindal793
    @surbhihandajindal7935 жыл бұрын

    i have read this topic multiple times, but it never got into my head. this video made this topic crystal clear. thank u sir....

  • @abhisekdas4841
    @abhisekdas48414 жыл бұрын

    Aapko last year se follow kar rha hun. Bank PO interview k prep liye bht help ho rha hai.

  • @rajatmehta599
    @rajatmehta5995 жыл бұрын

    aapse acha concept koi nahi samjha sakta sir.. mne sari youtube pe search kiya tha ye topic kuch week phle khi se bhi sahi trah se samajh nhi aaya tha kyuki kisi ne is trah detail or easy language me explain nahi kiya tha. thanku sir

  • @KishanGupta-xs3zo

    @KishanGupta-xs3zo

    5 жыл бұрын

    Rajat Mehta subodhgupta is also good bro

  • @arnavbhandari2409
    @arnavbhandari24094 жыл бұрын

    Thanks a lot for the videos sir. I have a couple of recommendations for your future videos ( I couldn't find a decent video explaining these): 1. Incremental Capital Output Ratio 2. Harrod - Domer Growth Model Great content as always!

  • @suvashreeray3131
    @suvashreeray31314 жыл бұрын

    Aapse acha koi nhi samjhata aur sir padhane ke intereste v na ho apke voice sunke padhena icha aur badh jata he sab kuch janeka ap samjhte itine achese thank u sir 🙏🙏🙏🙏🙏

  • @deepshikhaverma2180
    @deepshikhaverma21804 жыл бұрын

    2-3 video dekh chuki but satisfaction abhi Mila , great explaination

  • @AssetYogi

    @AssetYogi

    4 жыл бұрын

    Good to hear that

  • @shivambhardwaj4342
    @shivambhardwaj43424 жыл бұрын

    Very well explained . I work in Pvt Bank but I didn't know many things about MCLR you discribed it and I understand things. There is new External Benchmark Repo Rate issued by RBI . Request you to upload a video on EBLR Repo Rate also. You are doing worderful job . Good bless you

  • @random09191
    @random091915 жыл бұрын

    superb teaching skills sir. if you will make video courses for jaiib and caiib it will be the most wanted thing on you tube, no one is there who can make concepts clear like you. hats off to you sir

  • @finance2497
    @finance24973 жыл бұрын

    Best Video ever on MCLR in KZread Great video sir 🙏

  • @AssetYogi

    @AssetYogi

    3 жыл бұрын

    Thanks for appreciation Rohit 😊

  • @minalb5893
    @minalb58935 жыл бұрын

    This is what i was looking for... Thanks for this one

  • @amitbhandari9618
    @amitbhandari96184 жыл бұрын

    It's really amazing video Thank you very much 👍👍👍

  • @sachinsingh850
    @sachinsingh8505 жыл бұрын

    Excellent video. Thanks for sharing knowledge. Please Give practical example for calculation of MCLR by taking numeric value. Thank u

  • @manojmaher4602
    @manojmaher46025 жыл бұрын

    Excellent sir I request continue this video series and took all terms which comes in RBI GRADE B EXAMS AND BANK PO which helps students during exams thanks

  • @ambikasharma7097
    @ambikasharma70974 жыл бұрын

    Sir as i am bank Aspirant so i request you to make videos on such topics which are helpful for bank Aspirants. Also, your all videos are very helpful. These helped me a lot in understanding financial terms and concepts. 🙏

  • @AssetYogi

    @AssetYogi

    4 жыл бұрын

    Keep learning Ambika :)

  • @akhilaj7864
    @akhilaj78644 жыл бұрын

    Thanks for ur explanation but pls make again one video on flexi, floating rates and mclr rates and which one is best suited for consumer point of view

  • @raosk341
    @raosk3414 жыл бұрын

    It was nice explained and easy to understand. Pls send updates. Thanks

  • @rupambarman1973
    @rupambarman19734 жыл бұрын

    Thank you sir. I think, it'll be help me of my Professional career.

  • @brijeshgupta8692
    @brijeshgupta86924 жыл бұрын

    Aam aadmi ko bhi bahut aasani se samajh me aa jayega, aapka explanation.

  • @anshipanwar4287
    @anshipanwar42873 жыл бұрын

    Explanation is so much appreciable and understandable also😊😊

  • @AssetYogi

    @AssetYogi

    3 жыл бұрын

    Thanks 😊

  • @devyanijhamnani1482
    @devyanijhamnani14823 жыл бұрын

    Very in depth analysis of few terms. Great work. Keep it up!. 👍👍

  • @AssetYogi

    @AssetYogi

    3 жыл бұрын

    Thanks Devyani :)

  • @lomeshrane8393
    @lomeshrane83935 жыл бұрын

    Better than mrunal..Sir plz take whole economy

  • @Happyinsaan09

    @Happyinsaan09

    5 жыл бұрын

    Lomesh Rane bhai bas kar pagle rulayega kya

  • @vipinsharma-mp9gz

    @vipinsharma-mp9gz

    Жыл бұрын

    saabas

  • @AlokKumar-fo2zd
    @AlokKumar-fo2zd2 жыл бұрын

    Thank U Sir.. It Is Too Understandable..🙏🙏

  • @AkashSharma__
    @AkashSharma__ Жыл бұрын

    Sir please make a video on External Benchmark Rates. Taaki sab doubts ek baar mein hi clear hojaye. Aap ekdum acche se samjhate hai.

  • @cybergal9709
    @cybergal97094 жыл бұрын

    I have been following ur videos and these are v informative and conceptual. Thnx. On a lighter note, i just noticed ur name which is quite a tongue twister. 🙂

  • @rabinarayanrath4017
    @rabinarayanrath40174 жыл бұрын

    Thank you very much for great explanation.... Could you explain MCLR vs RRLR and what is better?

  • @subhamsarkar678
    @subhamsarkar6785 жыл бұрын

    sir...it is the best explanation on this topic

  • @kangsaslayer5046
    @kangsaslayer50465 жыл бұрын

    Sir, bahut bhala kar rahe no aap. Thanks a lot.

  • @a.p.268
    @a.p.2684 жыл бұрын

    Thank you so much for your explanation sir, this is really informative!!

  • @AssetYogi

    @AssetYogi

    4 жыл бұрын

    Keep learning Amrita :)

  • @taniyasrivastava8646
    @taniyasrivastava86465 жыл бұрын

    Thankyou so much sir AAP samjhate bahot acha h Sir MCLR par questions kaise puche jate h?

  • @yravinderyuvraj6931
    @yravinderyuvraj69315 жыл бұрын

    You r real hearo sir.what a fantastic teaching u have. I great fan of u Sir I request to make vedio at share market income tax Thanku so much

  • @sudhirtalekar5464
    @sudhirtalekar54644 жыл бұрын

    Sir, Thank you so much. Very Informative.

  • @AssetYogi

    @AssetYogi

    4 жыл бұрын

    Keep supporting Sudhir :)

  • @arifshekh9411
    @arifshekh94114 жыл бұрын

    I am upsc aspirant This helped me a lot !

  • @deepakshrivastava5072
    @deepakshrivastava50725 жыл бұрын

    Sir great job for making such video

  • @nishantmanish800
    @nishantmanish8003 жыл бұрын

    Thank you sir mujhe toh ye marginal cost of fund and tenor premium ek black hole ki tarah lagta tha now it is clear

  • @anitkumarmohanty2034
    @anitkumarmohanty20343 жыл бұрын

    I follow urs video ...its more informative And descriptive ..

  • @ppappu3598
    @ppappu35983 жыл бұрын

    Last 50 second are easy to understand universaly. Before it was more teq. Informative.

  • @learnpolityforUPSC
    @learnpolityforUPSC5 жыл бұрын

    sir aapne bahut ache se explain kiya !!!

  • @debasishrajbehera
    @debasishrajbehera5 жыл бұрын

    Nice explanation Sir....many many thanks....very helpful....

  • @AssetYogi

    @AssetYogi

    5 жыл бұрын

    Glad that you found the video helpful. 😊

  • @anupdutta7954
    @anupdutta79543 жыл бұрын

    Thank you Sir,,,please upload a video how to calculate MCLR based on balance sheet of a Bank.please elaborate point wise calculation

  • @shikharsingal7630
    @shikharsingal76305 жыл бұрын

    Nice video. Last month RBI came up with new loan pricing regime. How is it different from MCLR? Waiting for a video on it

  • @amazonrocks
    @amazonrocks4 жыл бұрын

    best video ever on mclr, thankyou sir

  • @AssetYogi

    @AssetYogi

    4 жыл бұрын

    Keep learning

  • @RanjeetKumar-vl6es
    @RanjeetKumar-vl6es5 жыл бұрын

    Very informative video sir. Thanks

  • @upaya451
    @upaya4512 жыл бұрын

    Thank you so much your videos are very useful for UPSC aspirants😄😄

  • @jittukadu8628
    @jittukadu86285 жыл бұрын

    very well explain Sir. RBI’s repo rate as the external benchmark to decide their lending rates, from April 1. Under the new system which will come into effect from April 1, 2019, banks will have to link their lending rates with an external benchmark instead of MCLR. The RBI has given these options to banks: RBI repo rate, the 91-day T-bill yield; the 182-day T-bill yield; or any other benchmark market interest rate produced by the Financial Benchmarks India Pvt. Ltd.

  • @aartinirmal6518

    @aartinirmal6518

    11 ай бұрын

    Q

  • @pirrupdki4948
    @pirrupdki49485 жыл бұрын

    Lucky to find ur video on u tube🤗

  • @gagandeepnahal7412
    @gagandeepnahal74124 жыл бұрын

    Very nicely explained sir .. thanks a lot

  • @vishald.doshi13
    @vishald.doshi134 жыл бұрын

    Simply superb... Sir plz make a video on QFI, FII, Fdi & Fpi

  • @subratamukerjee3008
    @subratamukerjee30084 жыл бұрын

    Very nice.....can we please know how does LIBOR works in international borrowings...

  • @Rishikesh2999
    @Rishikesh29994 жыл бұрын

    Sir plz come up with new changes like mclr changed to external lending rate

  • @ashking8606
    @ashking8606 Жыл бұрын

    Topics 1.Nbfc _plr 2.Spread charges 3. Can a financial institution use plr in present time(nov 2022) 4. What is the relation between plr and rate of interest in home loan , please explain with real world example including spread charges and tenure 5. External benchmark lending rate

  • @niladh
    @niladh5 жыл бұрын

    Sir , make video on Bond Yield

  • @subodhburnwal7379
    @subodhburnwal73795 жыл бұрын

    Thax u for this video sir. Meri ek request hai, jaiib ke exam ke liye aap kuch chapter wise video de, mainly account (2nd paper ) so it will be very helpful for me and all jaiib examine candidates, bcz your way of delivery nd contains r soo good so plz do something for jaiib as soon as possible Thank you

  • @priyankaharbola6916
    @priyankaharbola69165 жыл бұрын

    To the point, informative and very well explained...thanks sir

  • @AssetYogi

    @AssetYogi

    5 жыл бұрын

    Thank you for appreciation Priyanka 😊

  • @priyankaharbola6916

    @priyankaharbola6916

    5 жыл бұрын

    @@AssetYogisir kindly explain the NHOFC..the non holding companies..their basis of formation etc, if possible. Thanks in advance.

  • @sujalshah4029
    @sujalshah40294 жыл бұрын

    well explained & Also please make video on RPLR (retail prime lending rate).

  • @maliks.haider4538
    @maliks.haider45385 жыл бұрын

    Good lecture by Mukul

  • @NehaSingh-qk4zs
    @NehaSingh-qk4zs5 жыл бұрын

    Sir basel 1,2,3 ki details provide karein. .

  • @tsewangdorjey4878
    @tsewangdorjey48782 жыл бұрын

    Beautifully elaborated, thank u so much sir🙏

  • @AssetYogi

    @AssetYogi

    2 жыл бұрын

    You're most welcome

  • @AbhishekRaj-zh6sp
    @AbhishekRaj-zh6sp5 жыл бұрын

    superb explanation Sir

  • @shikharsingal7630
    @shikharsingal76304 жыл бұрын

    Can you make a video on new norms for lending rates linked to external benchmarks like repo rates. How the deductions in repo rate will pass to borrower

  • @rahulpatilcanarabank3028
    @rahulpatilcanarabank30285 жыл бұрын

    Fantastic job 👍👍

  • @AssetYogi

    @AssetYogi

    5 жыл бұрын

    Thank you.

  • @desaisvd1678
    @desaisvd16784 жыл бұрын

    Good sir...PL tell about ratio analysis for small co op Banks.

  • @sandeepbhardwaj595
    @sandeepbhardwaj5955 жыл бұрын

    Very good and informative video sir

  • @yogeshaithani7244
    @yogeshaithani72444 жыл бұрын

    Is there any charges for applying reduction of interest rate , when rbi reduce repo rate

  • @avanika32
    @avanika323 жыл бұрын

    Thank you sir your videos are really very helpful in understanding Banking policies

  • @AssetYogi

    @AssetYogi

    3 жыл бұрын

    Thanks Avanika

  • @arundash2659
    @arundash26595 жыл бұрын

    Really its a very good explanation , How to know that your existing HM falls on MCLR based or Base Rate Interest , if it falls on Base Rate then how to convert to MCLR based interest.

  • @viralbakhada2698
    @viralbakhada26985 жыл бұрын

    sir your videos are too good... I just want to know one basic thing .. If I take a loan with fixed rate than how bank decide that fixed rate? In the context of current crisis like Venezuela, If there is a situation like hyperinflation then how bank decide interest rate? Can they change interest rate everyday?

  • @nishantcompetitiveexamexpe7992
    @nishantcompetitiveexamexpe79924 жыл бұрын

    Tremendous sir !

  • @rahulmeena5375
    @rahulmeena53755 жыл бұрын

    thank u sir for this video it helps me alot

  • @AssetYogi

    @AssetYogi

    5 жыл бұрын

    Glad to know that it helped you.

  • @luckyagnihotri1046
    @luckyagnihotri10465 жыл бұрын

    Thank u sir from my bottom of heart

  • @homihouse4296
    @homihouse42965 жыл бұрын

    outstanding explaination

  • @AssetYogi

    @AssetYogi

    5 жыл бұрын

    Thank you Kuldeep 😊

  • @afsarkhan-sz6vw
    @afsarkhan-sz6vw4 жыл бұрын

    Sir jan 2020 me repo rate kitna aur reverse repo rate kitna ha.

  • @vishal01885
    @vishal018853 жыл бұрын

    Sir maine ish topic ko bht dhudha khi nh smjh aya But aapne bht easy way me explain kiya thank u

  • @AssetYogi

    @AssetYogi

    3 жыл бұрын

    Glad to hear that Upama 😊

  • @UDAYKUMAR-jj3cg
    @UDAYKUMAR-jj3cg5 жыл бұрын

    bahut badiya samjhaya.......maja aa gya...

  • @sushilbathija6698
    @sushilbathija66985 жыл бұрын

    Thanxs for valuable info.plz give video on Prime Lending Rate.Sushil

  • @amiracharya696
    @amiracharya6965 жыл бұрын

    Dear Sir, Please also talk about " Basel III accord" and off balance sheet times in banks financials.

  • @aadarsh8284
    @aadarsh82844 жыл бұрын

    How to Draft a clause specifying a variable interest rate of MCLR plus 200 basis points. Also, cover the aspect around the change in the computation of interest?

  • @nishantjha4974
    @nishantjha49745 жыл бұрын

    Sir how fiscal monetization work, could you please make a video on it for better understanding

  • @pravinloke4198
    @pravinloke41985 жыл бұрын

    your channel gives us very good information...I have one query....why my bank is asking to pay conversion fees(6000) to reduce my current home loan interest rate. I have taken floating interest rate scheme.

  • @tusarmanagement7159
    @tusarmanagement71595 жыл бұрын

    Thanks sir u r an asset..video on Basel norms

  • @susmitnandi5938
    @susmitnandi59385 жыл бұрын

    Sir ..please make a video regarding time barred of loan ......if time is expire than what happens .

  • @sylviamalik1030
    @sylviamalik1030 Жыл бұрын

    Wonderfully explained! Thank you!

  • @AssetYogi

    @AssetYogi

    Жыл бұрын

    You're very welcome!

  • @sarthakmittal4499
    @sarthakmittal44994 жыл бұрын

    Best video sir... Just want to know one thing I was checking mclr rates of banks They have exactly shown there MCLR rate as it is in video but with MCLR, base rate is also given . Is base rate still used sir ?

  • @TheTapabrata
    @TheTapabrata5 жыл бұрын

    awesome explanation sir!! PLR ka video kab ayega sir??

  • @starkbro7753
    @starkbro77534 жыл бұрын

    18:10, sir aapne bola ki tenor period 5 types ke hote hai,but SBI wale exapmle mein two year and three year kaise aa Gaya, aisa to nahi ki iske alawa aur bhi further tenor's hote Hain, plz reply I have my SBI PO interview

  • @keshavagrawal8641
    @keshavagrawal86414 жыл бұрын

    Can we negotiate the spread charged with mclr by banks on loan?

  • @ashishsrivastava2436
    @ashishsrivastava24365 жыл бұрын

    Nice explanation, spread ka kya significance hai and iska calculation kaise karte hai?

  • @geetanjalishukla7495
    @geetanjalishukla74954 жыл бұрын

    Very nice explaination sir. Thank u soo much

  • @AssetYogi

    @AssetYogi

    4 жыл бұрын

    Keep learning

  • @dilipsachdeva7025
    @dilipsachdeva70253 жыл бұрын

    Sir. Your lecture is excellent but I request you as I have already requested you to kindly make the lectures from the points of bankers as you are considering that all the students are non bankers

  • @maheshgupta2872
    @maheshgupta28725 жыл бұрын

    good one sir please make a video on right on set off appropriatian and assignment

  • @zahoorzafar1068
    @zahoorzafar10685 жыл бұрын

    Sir you have got a tremendous talent. God bless you. A humble request that please extend the duration of your lectures on Bank Financial Ratios and Trade Finance, where you can explain topics in a row.

  • @hasansaeed5235
    @hasansaeed52354 жыл бұрын

    Good explanation.

  • @rohinmaleywar1481
    @rohinmaleywar14815 жыл бұрын

    Its really great asset for us living in rural areas

  • @pulagamvamsikrishna7691
    @pulagamvamsikrishna76915 жыл бұрын

    Very Lucid.. Thanks 😇

  • @charulatapanigrahi4435
    @charulatapanigrahi44353 жыл бұрын

    Thank you Sir🙏🏻 please maka a video on St drawal mt & Lt drawal specially applicable in Cooperative Bank.

  • @DeepakSingh-fk3im
    @DeepakSingh-fk3im5 жыл бұрын

    Sir, please make a video of Base III liquidity coverage ratio

  • @rajeshdev4873
    @rajeshdev48735 жыл бұрын

    Base rate is it still apllicable as rbi site still shows base rate pls explain.

  • @Bishnupriya_11
    @Bishnupriya_113 жыл бұрын

    Wonderful explanation

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